Chronic Pain and Disability Insurance: Proving Your Claim, No Matter Where You Live in the U.S.
Disability Insurance Law Group
by Disability Insurance Law Group
1w ago
At Disability Insurance Law Group, our attorneys understand that chronic pain insurance claims are often considered subjective due to the inherent nature of pain and the difficulties associated with measuring and validating it objectively. Chronic pain often lacks visible symptoms, making it difficult to substantiate with standard medical tests. Although proving a disability insurance claim due to chronic pain can be challenging, we also know it is crucial for securing the benefits you deserve. Here, we discuss critical steps to documenting your chronic pain to help build a strategic approach ..read more
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Disability Insurance Bad Faith Practices: How to Recognize and Fight Them
Disability Insurance Law Group
by Disability Insurance Law Group
1w ago
At Disability Insurance Law Group, our claims attorneys represent clients across the United States and understand that bad faith insurance practices are uncommon primarily due to stringent regulatory oversight and comprehensive legal frameworks governing the insurance industry. State insurance commissioners enforce stringent regulations that require insurers to handle claims fairly and operate transparently. Moreover, the legal system provides robust protections for policyholders, including the ability to sue for bad faith. This comprehensive legal framework is designed to ensure your rights a ..read more
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Disability Claims and the Appeals Process: Why You Need an Experienced Attorney
Disability Insurance Law Group
by Disability Insurance Law Group
1w ago
At Disability Insurance Law Group, our national claims attorneys understand that when someone files a disability claim in the U.S., the burden of proof rests on the claimant, requiring them to navigate intricate legal and procedural requirements while managing their health. This complexity and the insurance companies’ inherent financial incentive to limit payouts make successfully claiming disability insurance challenging and often protracted. We offer our understanding, empathy, and legal expertise to guide you through this process. We also understand that people who file for disability benef ..read more
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The Importance of Regularly Reviewing Your Disability Insurance Policy
Disability Insurance Law Group
by Disability Insurance Law Group
1w ago
At Disability Insurance Law Group, our nationwide claims attorneys often explain to clients the importance of regularly reviewing their insurance policies to ensure their coverage aligns with their evolving personal and financial situation. Here, we discuss some of the critical reasons this practice is essential. Why You Should Review Your Disability Insurance Policy Reviewing your disability insurance maximizes your protection against unforeseen income disruptions and ensures that your coverage meets your needs over time. That includes: Changes in Personal Circumstances Life events such as ..read more
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Why a Successful Disability Insurance Claim Begins With the Application
Disability Insurance Law Group
by Disability Insurance Law Group
1w ago
At Disability Insurance Law Group, our attorneys have more than 50 years of combined experience in protecting the insurance rights of individuals in insurance benefit claims nationwide. Often, that begins at the application stage. Although no law requires anyone applying for disability benefits to seek legal counsel, so many things can go wrong during the initial stages that they have no choice but to seek help after receiving requests for more information or, worse, a denial of benefits. By meticulously preparing and submitting the initial application, claimants can significantly enhance thei ..read more
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What to Do When You’re Terminated While Receiving Disability Benefits in Florida
Disability Insurance Law Group
by Disability Insurance Law Group
2M ago
Our Florida and nationwide claims attorneys at Disability Insurance Law Group know many employers offer disability insurance as part of their employee benefits package. In this case, disability benefits are directly tied to employment because the employer typically pays the premiums for the insurance policy, and the coverage is based on the individual’s employment status with that specific employer. If you become disabled while employed and covered by such a policy, you may be eligible for disability benefits based on the terms of the policy. However, if you are terminated from your job w ..read more
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Understanding the Incontestability Clause in Florida Disability Insurance Policies
Disability Insurance Law Group
by Disability Insurance Law Group
2M ago
Our Florida and nationwide claims attorneys at Disability Insurance Law Group know that the “incontestability clause” in insurance policies is a crucial safeguard for policyholders. It limits the insurer’s ability to contest the policy’s validity after a specific time. While the incontestability clause provides significant protection for policyholders, it does not mean that the insurer is entirely prohibited from challenging the policy’s validity. There are generally limited exceptions under which the insurer can contest the policy even after the incontestability period has expired. These ..read more
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The Role of Functional Capacity Evaluations in Florida Disability Claims
Disability Insurance Law Group
by Disability Insurance Law Group
2M ago
At Disability Insurance Law Group, our Florida and nationwide claims attorneys know Functional Capacity Evaluations (FCEs) play a significant role in disability claims, no matter where you live in the U.S. FCEs are rigorous assessments conducted by certified professionals, such as physical or occupational therapists. These evaluations comprehensively gauge an individual’s functional abilities, including tests of strength, flexibility, endurance, mobility, and other physical or cognitive functions that are crucial for work-related tasks. The question is, what do they mean to your disa ..read more
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Navigating Accidental Death Insurance Claims in Florida: What Beneficiaries Should Know
Disability Insurance Law Group
by Disability Insurance Law Group
2M ago
At Disability Insurance Law Group, our Florida and nationwide accidental death claims attorneys know an accidental death, as defined by insurance providers, typically refers to a death that occurs as a result of an unforeseen and unintentional event. Insurance policies often have specific criteria or definitions for what constitutes an accidental death, depending on the company and the policy language. While professions and industries where employees are exposed to higher levels of risk or hazards—like construction, manufacturing, transportation, agriculture, and public safety, to name a ..read more
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Does ERISA Govern Your Benefit Plan? What Florida Residents Should Know
Disability Insurance Law Group
by Disability Insurance Law Group
2M ago
At Disability Insurance Law Group, our Florida and nationwide claims attorneys know that the Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most voluntarily established retirement and health plans in private industry to protect individuals in these plans. ERISA does not mandate that employers provide pensions or health plans, but it sets standards for those who do. So, what does that mean for Florida residents and others nationwide whose benefit plans are governed by federal law? Our experienced ERISA insurance claims attorney ..read more
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